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Up to $400 Bonus with TD Banking Plans!

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Up to $400 Bonus with TD Banking Plans!
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Looking for information about a TD bank account online and wondering whether TD is the right online bank for you? This guide covers everything you need to know about TD personal banking:

If you are looking for information about TD credit cards instead, see this page on the best TD credit cards.

The best TD bank account offers

TD offers 5 chequing accounts with fixed monthly fees ranging from $0 to $29.95:

TD All-Inclusive Banking Plan

TD Unlimited Chequing Account

TD Every Day Chequing Account

TD Minimum Chequing Account

TD Student chequing account

Our review of TD online

In Quebec and across Canada, TD online gives its clients access to a wide range of banking services. With a TD debit card, you can use TD’s full suite of banking services.

TD offers several online services:

  • Viewing your personal accounts with the TD MySpend app to track your monthly spending
  • Setting up payments and transferring funds from your TD Canada Trust account online with Interac e-Transfer
  • Using the TD app or EasyWeb to view your latest bills through the epost service from Canada Post
  • Depositing a cheque with TD Mobile Deposit
  • TD offers tutorials to learn more about how to carry out all sorts of banking transactions, for every type of profile

TD’s online banking offering is comprehensive, and in Quebec it is backed by a large branch network. More than 2,300 branches and 4,000 ATMs are available across North America.

Up to $400 Bonus with TD Banking Plans! - TD Bank 2

The online services offered by TD

As a TD online client (TD personal online banking), you can take advantage of many benefits:

  • 24/7 access to TD banking services
  • Purchases, bill payments and fund transfers online with your TD Access Card and Interac e-Transfer
  • Access to your accounts online with the TD app or EasyWeb
  • Sending funds anywhere in the world with TD Global Transfer
  • Download the TD MySpend app free of charge to manage your spending by linking it to your TD accounts
  • Download a void cheque from your EasyWeb account with the Direct Deposit Form
  • Get guidance with the TD Skills app for Amazon Alexa, a voice assistant available in English

Frequently asked questions about TD online

How do I log in to TD EasyWeb online?

To log in to EasyWeb online, you will need to go to the TD home page.

Register if you have not already done so, otherwise enter the information provided by your branch or by a telephone banking specialist.

  • your username, or your Access Card number.
  • your temporary password

Log in with that information and set your own password. (A security system will ask for your phone number and email address so it can send you verification codes.)


From your mobile device:

  • Download the TD mobile banking app
  • In the side navigation menu, select the Register option
  • Enter your card number and its expiry date, then select Continue.
  • Select how you want to receive the verification code, then send it.
  • Enter the code you received, then Next.
  • Create your password, then Continue.
  • Accept the electronic access agreement.
  • Click on Log in, then Ok.

From your computer:

  • Go to cibc.com/francais
  • Enter your card number and its expiry date, then select Continue.
  • Select how you want to receive the verification code, then send it.
  • Enter the code you received, then Next.
  • Create your password, then Continue.
  • Accept the electronic access agreement.
  • Click on Log in, then Ok.

How do I transfer funds to another TD client?

You can transfer funds to another TD client with Interac e-Transfer, and the money arrives within a minute.

With EasyWeb online services or the TD app, you can also send or request funds at any time to anyone who has an email address or mobile number and a bank account with a participating Canadian financial institution.

The recipient receives an email or text message notifying them of the transfer or the request.

How do I make a payment with my mobile device?

TD lets its clients pay for their purchases with their smartphone by holding it over the merchant’s point-of-sale terminal for a few seconds.

To use this service, you need to

  • be registered for EasyWeb,
  • hold a compatible TD credit card
  • use the TD app and select TD Mobile Payment
  • then link one or more TD credit card accounts to TD Mobile Payment

You will need to select the credit card before each purchase, or choose a default card.

TD Mobile Payment works with Android 4.4 smartphones or later that are equipped with contactless technology.

What do I do if my TD credit card is lost, stolen or damaged?

To lock purchases made with a TD credit card that is lost, stolen, damaged or no longer working:

  • log in to the TD app
  • select the credit card, then click on Manage

ATM transactions made with a Canadian dollar credit card and pre-authorized payments will continue to be processed. Credit card payments will still be accepted, as will transfers. Only purchases and payments made with your digital wallet will be locked.

Then call the TD Credit Cards centre right away

  • at 1-800-983-8472, or
  • at 1-800-895-4463, or
  • 416-307-7722 (additional charges outside Canada), or
  • Visit your nearest TD Canada Trust branch.

What are the eligibility criteria for TD credit cards?

To be eligible for a TD credit card, you must:

  • be a Canadian resident;
  • have reached the age of majority in your province of residence, which is 19 in Canada (except in Quebec, Ontario, Manitoba, Saskatchewan, Alberta and Prince Edward Island, where the age of majority is 18).
  • meet TD’s usual criteria

TD offers many credit cards, and some may require a minimum income. See our page dedicated to the best TD credit card offers.

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American ExpressMarriott Bonvoy
Annual fee
$120
Our valuation
$990
Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 110,000 points
Ends Sep 22, 2026
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The Marriott Bonvoy® American Express®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

  • Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Legal

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 2xAll spending

Value

1st Year Value$1,437
2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.